Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$282,609Cash toward the purchase price.
Closing costs + prepaids$19,059Not just lender fees.
Before credits & paid funds$301,668The complete starting cash picture.
Estimated remaining funds due at closing
$301,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,608.86
Your down payment$282,608.86
Closing costs + prepaids$19,058.79
Total buyer cash needed$301,667.65
Remaining funds due$301,667.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,849.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,962.25
Initial HOA (3 months)$747.00
Prepaid interest, first (31 days)$1,275.54
Fees + prepaids$19,058.79
Your down payment is the seller’s equity. You take over the $502,291 balance, so the rest of the $784,900 price is paid at closing. A second mortgage can cover part of it. $301,667.65 is due at closing. Uses and sources reconcile at $803,958.79 each. Not a Closing Disclosure.